Louis Posted August 25, 2006 Report Share Posted August 25, 2006 If you have a student bank account please consider moving it to Halifax. They are not giving away a free railcard or a free ipod but they are giving away something which is far more valuable, a 0% overdraft until you graduate. They are offering £2,750 per year for your university course. So if you are doing a three year course by the end of the third year you can have an overdraft of £8,250. If you are feeling clever you may 'stooze' this away in a high interest rate (current highest is 5.15%) then you could earn up to £447 for simply not spending your money. Quote Link to comment Share on other sites More sharing options...
thebluenose Posted August 25, 2006 Report Share Posted August 25, 2006 im getting one. so ahead of you there Quote Link to comment Share on other sites More sharing options...
Louis Posted August 25, 2006 Author Report Share Posted August 25, 2006 Only trying to help Quote Link to comment Share on other sites More sharing options...
thebluenose Posted August 25, 2006 Report Share Posted August 25, 2006 and well apreciated mate. Quote Link to comment Share on other sites More sharing options...
aaron Posted August 25, 2006 Report Share Posted August 25, 2006 noooooo ive already sent off me ema saying im with lloyds tsb noooooo will have to swap banks now, thank fo that info its well apricated Quote Link to comment Share on other sites More sharing options...
Louis Posted August 25, 2006 Author Report Share Posted August 25, 2006 No GREAT loss Everton lad, leave it in for two months - get your ipod then switch Quote Link to comment Share on other sites More sharing options...
thebluenose Posted August 25, 2006 Report Share Posted August 25, 2006 i got my EMA goin into my halifax account. so looks like il be rolling in cash hehe. Quote Link to comment Share on other sites More sharing options...
aaron Posted August 26, 2006 Report Share Posted August 26, 2006 No GREAT loss Everton lad, leave it in for two months - get your ipod then switch 47042[/snapback] got one but i'll sell the free one and add the cash i make into the bank Quote Link to comment Share on other sites More sharing options...
Louis Posted August 26, 2006 Author Report Share Posted August 26, 2006 'kin tax dodger. Quote Link to comment Share on other sites More sharing options...
scouse Posted August 26, 2006 Report Share Posted August 26, 2006 Just make sure you dont spend the 8000k "free Overdarft" thats mad what they are giving students these days I remember the natwest giving me £750 interest free overdraft when i was a student happy days Quote Link to comment Share on other sites More sharing options...
Pat Posted August 30, 2006 Report Share Posted August 30, 2006 Funk in my day the words "Studnet + Bank" account never melt together... Whomever had the coin to pay for that particular days ale & hooch was usually Pronounced both Banker & accountant... Quote Link to comment Share on other sites More sharing options...
GoldfishMemory Posted August 31, 2006 Report Share Posted August 31, 2006 Why oh why didnt I do the stoooooooooodent thing Quote Link to comment Share on other sites More sharing options...
aaron Posted August 31, 2006 Report Share Posted August 31, 2006 what are you doing bluenose 6th form or college? im going to Clarence St. college to do some I T course Quote Link to comment Share on other sites More sharing options...
Louis Posted August 31, 2006 Author Report Share Posted August 31, 2006 Thats where I went Everton Lad. 3rd floor Quote Link to comment Share on other sites More sharing options...
aaron Posted August 31, 2006 Report Share Posted August 31, 2006 Thats where I went Everton Lad. 3rd floor 47836[/snapback] ye lol what did you do there? im doing the BTEC course Quote Link to comment Share on other sites More sharing options...
Louis Posted August 31, 2006 Author Report Share Posted August 31, 2006 so did I! Who's your teacher? Quote Link to comment Share on other sites More sharing options...
CraccerC Posted August 31, 2006 Report Share Posted August 31, 2006 dnt need an overdraft Quote Link to comment Share on other sites More sharing options...
GoldfishMemory Posted August 31, 2006 Report Share Posted August 31, 2006 So this post is exactly for you then!! Get the account, clear it out and put it in a high interest saver account and when you leave pay back the overdraft and keep the interest you earned! Quote Link to comment Share on other sites More sharing options...
CraccerC Posted August 31, 2006 Report Share Posted August 31, 2006 ^ is that not a loan? an overdraft just allows you to go in the red up to a certain amount, doesn't it, you have to pay however much you lose, it doesn't give you money to move around atleast i think Quote Link to comment Share on other sites More sharing options...
thebluenose Posted August 31, 2006 Report Share Posted August 31, 2006 what are you doing bluenose 6th form or college? im going to Clarence St. college to do some I T course 47813[/snapback] to answer your queston aaron im staying on at my school for 6th form. im sad arnt i lol. reason being is that all the kopite dickeds are all leaving so ill be happy with me mates. (and all the hot girls) Quote Link to comment Share on other sites More sharing options...
GoldfishMemory Posted August 31, 2006 Report Share Posted August 31, 2006 ^ is that not a loan? an overdraft just allows you to go in the red up to a certain amount, doesn't it, you have to pay however much you lose, it doesn't give you money to move around atleast i think 47993[/snapback] It basically means the bottom line of your bank account is not £0 its -£whatever the overdraft is so as soon as you get a £1000 overdraft for example you can draw out that cash! Meaning if its interest free but you dont need it you can draw on the overdraft put it in a high interest account for a year and earn a load of interest then just put it back at the end of the year keeping the interest. It only works for people with enough money to not need an overdraft tho' like you said before you Quote Link to comment Share on other sites More sharing options...
CraccerC Posted August 31, 2006 Report Share Posted August 31, 2006 (edited) ohhhh i get you now, my fault .. havin said that, hardly worth the hassle for like 40 quid over a year is it Edited August 31, 2006 by GoldfishMemory Quote Link to comment Share on other sites More sharing options...
aaron Posted August 31, 2006 Report Share Posted August 31, 2006 so did I! Who's your teacher? 47975[/snapback] eyeear and ian i think Quote Link to comment Share on other sites More sharing options...
Louis Posted August 31, 2006 Author Report Share Posted August 31, 2006 never heard of them! Quote Link to comment Share on other sites More sharing options...
aaron Posted August 31, 2006 Report Share Posted August 31, 2006 never heard of them! 48060[/snapback] who did you have? Quote Link to comment Share on other sites More sharing options...
GoldfishMemory Posted August 31, 2006 Report Share Posted August 31, 2006 ohhhh i get you now, my fault .. havin said that, hardly worth the hassle for like 40 quid over a year is it 48008[/snapback] You always have to be right dont you Craccer! use louis' figures and its £141.63 each year for 3 years which is £429.29 for filling out 2 forms now £430 for nothing in my eyes is an excellent deal! Quote Link to comment Share on other sites More sharing options...
Bill Posted August 31, 2006 Report Share Posted August 31, 2006 Thats a craccer of a deal (no pun intended ), any chance of me getting one of these student loans.?? Quote Link to comment Share on other sites More sharing options...
Mac Posted August 31, 2006 Report Share Posted August 31, 2006 Become a mature student Licker, gotta be something you fancy learning. ATB Mac Quote Link to comment Share on other sites More sharing options...
CraccerC Posted August 31, 2006 Report Share Posted August 31, 2006 You always have to be right dont you Craccer! use louis' figures and its £141.63 each year for 3 years which is £429.29 for filling out 2 forms now £430 for nothing in my eyes is an excellent deal! 48101[/snapback] i'm not trying to be right, i'm trying to see the deal ... however it won't be 141 each year, because interest doesn't work like that Quote Link to comment Share on other sites More sharing options...
GoldfishMemory Posted August 31, 2006 Report Share Posted August 31, 2006 i'm not trying to be right, i'm trying to see the deal ... however it won't be 141 each year, because interest doesn't work like that 48121[/snapback] There you go again, care to explain smartie pants??? Quote Link to comment Share on other sites More sharing options...
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